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Frequently Asked Questions

The online tax payment service allows you to make instant payments through the Property Hub Management Pvt. Ltd. web site (www.propertyhubworld.com) instantly through a credit card or an online banking account.

If you have forgotten your password, you can ask for it to be reset. Click "Forgotten password?" on our sign in form, enter your email address, and we will send you instructions by email on how to reset it. If you have any other problems with registration, you can email info@propertyhubworld.com

Some services on the Guardian require you to have a username (also sometimes known as a screenname or a nickname). This will appear on your profile page, and next to any comments you leave on the site. It is how other users will identify you.

If you tick the 'Keep me signed in' box on our sign in form, we will use a cookie so that when you visit the site on the same computer you are automatically signed in. For security reasons we expire this cookie after a fortnight, and you'll need to sign in again. We don't recommend that you tick this box on shared computers or on computers in public places like libraries or an internet cafe.

The validation process allows us to establish that the email address is genuine, and that you didn't make a mistake when entering it. It is essential that we have your correct email address in case we need to contact you.

You need to respond to the validation message within seven days.

When you register with the Guardian, we will send you an email asking you to validate the email address you gave us during the registration process. The email we send you will contain a link to a web page. Click on the link, or cut and paste it into your browser, and you will be shown a page confirming that your registration details are now finalised, and your account has been validated.

You can access the majority of our services without having to register. Some services do require us to personalise the website in some way, so you do need to register to leave comments, save clippings, join Extra, enter competitions and subscribe to email services.

Although a garage is attached to the home, it is not considered part of the home's square footage. That is because only livable space is considered in the square footage calculation.

Calculating the square footage of a home is not as easy as it sounds. Neither real estate agents nor homeowners should attempt the calculation (at least not if you want a reliable figure). Rarely are houses perfectly square, which is one reason for the difficulty. Appraisers map out the house on a piece of graph paper, calculate all the edges, come up with "mini-areas" for each rectangle - then add them all together.

Plus, there are other intricate rules. If there has been an addition to the house and the owner did not receive a building permit, then that section of the house may not be allowable as part of the square footage. The same with attic and basement conversions, lofts, and so on.

It is best to rely on a licensed appraiser to recalculate the square footage of a house.

When a home's square footage is advertised, the figure usually comes from previous sales, perhaps as far back as the builder. Homeowners and real estate agents don't usually recalculate the square footage. Like we said, it is very very difficult to calculate the square footage of a home.

This is really a question you should ask a local CPA or whoever does your taxes. We encourage you to follow up with a professional tax advisor as we are not qualified or authorized to give advice in two areas - legal matters and tax matters.

Briefly put, providing you itemize deductions, own and occupy the home, you can deduct both property taxes paid on the home and interest paid on your mortgage. You can deduct the points and prepaid interest you make during the actual purchase, whether you pay them or the seller pays them on your behalf.

There are certain limits and restrictions which do not affect most people, but this is another reason you should contact a tax professional regarding your question.

New Construction: If a walk-through inspection reveals a problem, but I choose to go through with closing anyway, can I retain a percentage of the down payment (or mortgage amount) - - not to be paid until the repairs are made?

If you want to go through with closing, you will not be able to hold any of your money back or the lender will not fund the loan. You just have to trust that the builder will make the changes, and they normally do.

All listing contracts have expiration dates. When is yours?

If it is not coming up soon, tell the agent and/or his manager that you want to cancel your listing. Often they will let you cancel easily, since they do not want to build ill will in the community.

If they won't, you can always pull your home off the market until the listing contract expires.

This may be a bad sign for you, especially if you think your house is worth more than other houses in your neighborhood. Homes maintain their value better if the neighboring properties are fairly similar.

In your situation, you may actually have to talk to several Realtors, get their opinions, and come up with some sort of consensus. Without knowing why there are no comparable properties in your area it is difficult to give another suggestion. If your lot or home is over-improved for the area, that means the value will most not likely be what you think it is. If your home is much larger, you might not get the same cost per square foot as other homes in the area.

So I would talk to a bunch of Realtors and get their opinions. I would not recommend hiring an appraiser, however, even though a lot of books recommend this. Appraisers are better at "justifying" a price than in determining market value.

Most states require real estate sales professionals to be licensed by the state, so that they can control education and experience requirements and have a central authority to resolve consumer problems.

The terminology used to identify real estate professionals varies a little from state to state.  Brokers are generally required to have more education and experience than real estate salespersons or agents.

The person you normally deal with is a real estate agent or salesperson.  The salesperson is licensed by the state, but must work for a broker.  All listings are placed in the broker's name, not the salesperson's.

A broker can deal directly with home buyers and sellers, or can have a staff of salespersons or agents working for him or her.